. >> sean forbes. i had a question about transparency and we are seeing more articles say in "the new york times" recently about how expensive a saline drip can be where one provider will charge 500 plus dollars and another charges only 100 plus. these are things that will be very difficult or consumers. the line item may not be broken out or they might not see it at all and as you mentioned consumers need to read through their packages but that's the package provided by the employee and not the provider. as you said this gets very complex and it's going to be very hard for an employee to control their costs. how are the employers going to help the employees without? >> yeah so most of the health plans now including united at the cigna anthem and number of health plans are are on the leading edge have applications that allow people to know a couple of things and also some third parties. this is a fast-moving field and what a consumer patient need to know are what's it going to cost them so even that da